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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
Terms on RV loans typically range from 10 years to 15 years but can go longer. For larger loans, say $50,000 to $100,000 or more, many lenders will allow you to extend the loan term to 20 years. RV owners are known for making steady, on-time loan payments year after year.